FUD is the code word today.
If you want to mess with a plan, change it. Often. Randomly. Chase squirrels. Give speeches
If you are a business, you must always have a plan (or you fail). While being flexible must be part of the plan, governments are not businesses, and their plans are usually law.
To change a law you have a process and in a republic you need to follow that process or else you are no longer a republic.
The insurance industry is highly regulated BY LAW. Changing those laws by fiat not only damages the republic, but instills FUD into an industry that they are regulating.
Bad for business, bad for the republic.
I don't enjoy thinking that Mr. Obama is bad for the republic and for business, but he is acting more like DEAR LEADER than most want to acknowledge.